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URL:  http://boards.fool.com/with-a-roth-youre-betting-that-your-marginal-29186448.aspx

Subject:  Re: 403 v 457 Date:  3/21/2011  7:58 PM
Author:  Rayvt Number:  68675 of 76395

With a Roth, you're betting that your marginal tax rate in retirement will be at least what it is now.

Based on personal experience, this is a **really** good bet.

In late December we did a really hefty rollover/conversion from our IRAs to our Roths, in order to fill up to the top of the 15% bracket.

By being clever (thanks internet posters!) we moved a bunch of money and have been able to max out our 15% bracket for 2010, 2011 & 2012. Better yet, since we paid the taxes with other money, 100% of the IRA money get into the Roth, instead of only 85% of it. So that was kind of a sneaky way to effectively put another $10K into the Roths--even though we are retired and so can't contribute to a Roth.

Now, if only the market co-operates and grows. ;-)
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